贷款35万（公积金贷款）房贷，还款8年的等额本息和等额本金的还款方式明细。
等额本息还款方式：
贷款总额：35万
还款月数：8年
每月还款：4145.21元
利息总额：4.79万
本息合计：39.79万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 4145.21 | 947.92 | 3197.30 | 346802.70 |
| 2 | 2025-12 | 4145.21 | 939.26 | 3205.96 | 343596.75 |
| 3 | 2026-01 | 4145.21 | 930.57 | 3214.64 | 340382.11 |
| 4 | 2026-02 | 4145.21 | 921.87 | 3223.35 | 337158.76 |
| 5 | 2026-03 | 4145.21 | 913.14 | 3232.08 | 333926.69 |
| 6 | 2026-04 | 4145.21 | 904.38 | 3240.83 | 330685.86 |
| 7 | 2026-05 | 4145.21 | 895.61 | 3249.61 | 327436.25 |
| 8 | 2026-06 | 4145.21 | 886.81 | 3258.41 | 324177.84 |
| 9 | 2026-07 | 4145.21 | 877.98 | 3267.23 | 320910.61 |
| 10 | 2026-08 | 4145.21 | 869.13 | 3276.08 | 317634.53 |
| 11 | 2026-09 | 4145.21 | 860.26 | 3284.95 | 314349.58 |
| 12 | 2026-10 | 4145.21 | 851.36 | 3293.85 | 311055.72 |
| 13 | 2026-11 | 4145.21 | 842.44 | 3302.77 | 307752.95 |
| 14 | 2026-12 | 4145.21 | 833.50 | 3311.72 | 304441.24 |
| 15 | 2027-01 | 4145.21 | 824.53 | 3320.69 | 301120.55 |
| 16 | 2027-02 | 4145.21 | 815.53 | 3329.68 | 297790.87 |
| 17 | 2027-03 | 4145.21 | 806.52 | 3338.70 | 294452.18 |
| 18 | 2027-04 | 4145.21 | 797.47 | 3347.74 | 291104.44 |
| 19 | 2027-05 | 4145.21 | 788.41 | 3356.81 | 287747.63 |
| 20 | 2027-06 | 4145.21 | 779.32 | 3365.90 | 284381.73 |
| 21 | 2027-07 | 4145.21 | 770.20 | 3375.01 | 281006.72 |
| 22 | 2027-08 | 4145.21 | 761.06 | 3384.15 | 277622.57 |
| 23 | 2027-09 | 4145.21 | 751.89 | 3393.32 | 274229.25 |
| 24 | 2027-10 | 4145.21 | 742.70 | 3402.51 | 270826.74 |
| 25 | 2027-11 | 4145.21 | 733.49 | 3411.72 | 267415.01 |
| 26 | 2027-12 | 4145.21 | 724.25 | 3420.96 | 263994.05 |
| 27 | 2028-01 | 4145.21 | 714.98 | 3430.23 | 260563.82 |
| 28 | 2028-02 | 4145.21 | 705.69 | 3439.52 | 257124.30 |
| 29 | 2028-03 | 4145.21 | 696.38 | 3448.84 | 253675.46 |
| 30 | 2028-04 | 4145.21 | 687.04 | 3458.18 | 250217.28 |
| 31 | 2028-05 | 4145.21 | 677.67 | 3467.54 | 246749.74 |
| 32 | 2028-06 | 4145.21 | 668.28 | 3476.93 | 243272.81 |
| 33 | 2028-07 | 4145.21 | 658.86 | 3486.35 | 239786.46 |
| 34 | 2028-08 | 4145.21 | 649.42 | 3495.79 | 236290.67 |
| 35 | 2028-09 | 4145.21 | 639.95 | 3505.26 | 232785.41 |
| 36 | 2028-10 | 4145.21 | 630.46 | 3514.75 | 229270.65 |
| 37 | 2028-11 | 4145.21 | 620.94 | 3524.27 | 225746.38 |
| 38 | 2028-12 | 4145.21 | 611.40 | 3533.82 | 222212.56 |
| 39 | 2029-01 | 4145.21 | 601.83 | 3543.39 | 218669.17 |
| 40 | 2029-02 | 4145.21 | 592.23 | 3552.98 | 215116.19 |
| 41 | 2029-03 | 4145.21 | 582.61 | 3562.61 | 211553.58 |
| 42 | 2029-04 | 4145.21 | 572.96 | 3572.26 | 207981.33 |
| 43 | 2029-05 | 4145.21 | 563.28 | 3581.93 | 204399.39 |
| 44 | 2029-06 | 4145.21 | 553.58 | 3591.63 | 200807.76 |
| 45 | 2029-07 | 4145.21 | 543.85 | 3601.36 | 197206.40 |
| 46 | 2029-08 | 4145.21 | 534.10 | 3611.11 | 193595.29 |
| 47 | 2029-09 | 4145.21 | 524.32 | 3620.89 | 189974.40 |
| 48 | 2029-10 | 4145.21 | 514.51 | 3630.70 | 186343.70 |
| 49 | 2029-11 | 4145.21 | 504.68 | 3640.53 | 182703.16 |
| 50 | 2029-12 | 4145.21 | 494.82 | 3650.39 | 179052.77 |
| 51 | 2030-01 | 4145.21 | 484.93 | 3660.28 | 175392.49 |
| 52 | 2030-02 | 4145.21 | 475.02 | 3670.19 | 171722.30 |
| 53 | 2030-03 | 4145.21 | 465.08 | 3680.13 | 168042.17 |
| 54 | 2030-04 | 4145.21 | 455.11 | 3690.10 | 164352.07 |
| 55 | 2030-05 | 4145.21 | 445.12 | 3700.09 | 160651.97 |
| 56 | 2030-06 | 4145.21 | 435.10 | 3710.11 | 156941.86 |
| 57 | 2030-07 | 4145.21 | 425.05 | 3720.16 | 153221.69 |
| 58 | 2030-08 | 4145.21 | 414.98 | 3730.24 | 149491.46 |
| 59 | 2030-09 | 4145.21 | 404.87 | 3740.34 | 145751.11 |
| 60 | 2030-10 | 4145.21 | 394.74 | 3750.47 | 142000.64 |
| 61 | 2030-11 | 4145.21 | 384.59 | 3760.63 | 138240.01 |
| 62 | 2030-12 | 4145.21 | 374.40 | 3770.81 | 134469.20 |
| 63 | 2031-01 | 4145.21 | 364.19 | 3781.03 | 130688.17 |
| 64 | 2031-02 | 4145.21 | 353.95 | 3791.27 | 126896.91 |
| 65 | 2031-03 | 4145.21 | 343.68 | 3801.53 | 123095.37 |
| 66 | 2031-04 | 4145.21 | 333.38 | 3811.83 | 119283.54 |
| 67 | 2031-05 | 4145.21 | 323.06 | 3822.15 | 115461.39 |
| 68 | 2031-06 | 4145.21 | 312.71 | 3832.51 | 111628.88 |
| 69 | 2031-07 | 4145.21 | 302.33 | 3842.89 | 107786.00 |
| 70 | 2031-08 | 4145.21 | 291.92 | 3853.29 | 103932.70 |
| 71 | 2031-09 | 4145.21 | 281.48 | 3863.73 | 100068.97 |
| 72 | 2031-10 | 4145.21 | 271.02 | 3874.19 | 96194.78 |
| 73 | 2031-11 | 4145.21 | 260.53 | 3884.69 | 92310.09 |
| 74 | 2031-12 | 4145.21 | 250.01 | 3895.21 | 88414.88 |
| 75 | 2032-01 | 4145.21 | 239.46 | 3905.76 | 84509.13 |
| 76 | 2032-02 | 4145.21 | 228.88 | 3916.34 | 80592.79 |
| 77 | 2032-03 | 4145.21 | 218.27 | 3926.94 | 76665.85 |
| 78 | 2032-04 | 4145.21 | 207.64 | 3937.58 | 72728.27 |
| 79 | 2032-05 | 4145.21 | 196.97 | 3948.24 | 68780.03 |
| 80 | 2032-06 | 4145.21 | 186.28 | 3958.93 | 64821.10 |
| 81 | 2032-07 | 4145.21 | 175.56 | 3969.66 | 60851.44 |
| 82 | 2032-08 | 4145.21 | 164.81 | 3980.41 | 56871.03 |
| 83 | 2032-09 | 4145.21 | 154.03 | 3991.19 | 52879.84 |
| 84 | 2032-10 | 4145.21 | 143.22 | 4002.00 | 48877.85 |
| 85 | 2032-11 | 4145.21 | 132.38 | 4012.84 | 44865.01 |
| 86 | 2032-12 | 4145.21 | 121.51 | 4023.70 | 40841.31 |
| 87 | 2033-01 | 4145.21 | 110.61 | 4034.60 | 36806.70 |
| 88 | 2033-02 | 4145.21 | 99.68 | 4045.53 | 32761.17 |
| 89 | 2033-03 | 4145.21 | 88.73 | 4056.49 | 28704.69 |
| 90 | 2033-04 | 4145.21 | 77.74 | 4067.47 | 24637.22 |
| 91 | 2033-05 | 4145.21 | 66.73 | 4078.49 | 20558.73 |
| 92 | 2033-06 | 4145.21 | 55.68 | 4089.53 | 16469.19 |
| 93 | 2033-07 | 4145.21 | 44.60 | 4100.61 | 12368.58 |
| 94 | 2033-08 | 4145.21 | 33.50 | 4111.72 | 8256.87 |
| 95 | 2033-09 | 4145.21 | 22.36 | 4122.85 | 4134.02 |
| 96 | 2033-10 | 4145.21 | 11.20 | 4134.02 | 0.00 |
等额本金还款方式：
贷款总额：35万
还款月数：8年
首月还款：4593.75元
每月递减：9.87元
利息总额：4.6万
本息合计：39.6万
节省利息：1966.58元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 4593.75 | 947.92 | 3645.83 | 346354.17 |
| 2 | 2025-12 | 4583.88 | 938.04 | 3645.83 | 342708.33 |
| 3 | 2026-01 | 4574.00 | 928.17 | 3645.83 | 339062.50 |
| 4 | 2026-02 | 4564.13 | 918.29 | 3645.83 | 335416.67 |
| 5 | 2026-03 | 4554.25 | 908.42 | 3645.83 | 331770.83 |
| 6 | 2026-04 | 4544.38 | 898.55 | 3645.83 | 328125.00 |
| 7 | 2026-05 | 4534.51 | 888.67 | 3645.83 | 324479.17 |
| 8 | 2026-06 | 4524.63 | 878.80 | 3645.83 | 320833.33 |
| 9 | 2026-07 | 4514.76 | 868.92 | 3645.83 | 317187.50 |
| 10 | 2026-08 | 4504.88 | 859.05 | 3645.83 | 313541.67 |
| 11 | 2026-09 | 4495.01 | 849.18 | 3645.83 | 309895.83 |
| 12 | 2026-10 | 4485.13 | 839.30 | 3645.83 | 306250.00 |
| 13 | 2026-11 | 4475.26 | 829.43 | 3645.83 | 302604.17 |
| 14 | 2026-12 | 4465.39 | 819.55 | 3645.83 | 298958.33 |
| 15 | 2027-01 | 4455.51 | 809.68 | 3645.83 | 295312.50 |
| 16 | 2027-02 | 4445.64 | 799.80 | 3645.83 | 291666.67 |
| 17 | 2027-03 | 4435.76 | 789.93 | 3645.83 | 288020.83 |
| 18 | 2027-04 | 4425.89 | 780.06 | 3645.83 | 284375.00 |
| 19 | 2027-05 | 4416.02 | 770.18 | 3645.83 | 280729.17 |
| 20 | 2027-06 | 4406.14 | 760.31 | 3645.83 | 277083.33 |
| 21 | 2027-07 | 4396.27 | 750.43 | 3645.83 | 273437.50 |
| 22 | 2027-08 | 4386.39 | 740.56 | 3645.83 | 269791.67 |
| 23 | 2027-09 | 4376.52 | 730.69 | 3645.83 | 266145.83 |
| 24 | 2027-10 | 4366.64 | 720.81 | 3645.83 | 262500.00 |
| 25 | 2027-11 | 4356.77 | 710.94 | 3645.83 | 258854.17 |
| 26 | 2027-12 | 4346.90 | 701.06 | 3645.83 | 255208.33 |
| 27 | 2028-01 | 4337.02 | 691.19 | 3645.83 | 251562.50 |
| 28 | 2028-02 | 4327.15 | 681.32 | 3645.83 | 247916.67 |
| 29 | 2028-03 | 4317.27 | 671.44 | 3645.83 | 244270.83 |
| 30 | 2028-04 | 4307.40 | 661.57 | 3645.83 | 240625.00 |
| 31 | 2028-05 | 4297.53 | 651.69 | 3645.83 | 236979.17 |
| 32 | 2028-06 | 4287.65 | 641.82 | 3645.83 | 233333.33 |
| 33 | 2028-07 | 4277.78 | 631.94 | 3645.83 | 229687.50 |
| 34 | 2028-08 | 4267.90 | 622.07 | 3645.83 | 226041.67 |
| 35 | 2028-09 | 4258.03 | 612.20 | 3645.83 | 222395.83 |
| 36 | 2028-10 | 4248.16 | 602.32 | 3645.83 | 218750.00 |
| 37 | 2028-11 | 4238.28 | 592.45 | 3645.83 | 215104.17 |
| 38 | 2028-12 | 4228.41 | 582.57 | 3645.83 | 211458.33 |
| 39 | 2029-01 | 4218.53 | 572.70 | 3645.83 | 207812.50 |
| 40 | 2029-02 | 4208.66 | 562.83 | 3645.83 | 204166.67 |
| 41 | 2029-03 | 4198.78 | 552.95 | 3645.83 | 200520.83 |
| 42 | 2029-04 | 4188.91 | 543.08 | 3645.83 | 196875.00 |
| 43 | 2029-05 | 4179.04 | 533.20 | 3645.83 | 193229.17 |
| 44 | 2029-06 | 4169.16 | 523.33 | 3645.83 | 189583.33 |
| 45 | 2029-07 | 4159.29 | 513.45 | 3645.83 | 185937.50 |
| 46 | 2029-08 | 4149.41 | 503.58 | 3645.83 | 182291.67 |
| 47 | 2029-09 | 4139.54 | 493.71 | 3645.83 | 178645.83 |
| 48 | 2029-10 | 4129.67 | 483.83 | 3645.83 | 175000.00 |
| 49 | 2029-11 | 4119.79 | 473.96 | 3645.83 | 171354.17 |
| 50 | 2029-12 | 4109.92 | 464.08 | 3645.83 | 167708.33 |
| 51 | 2030-01 | 4100.04 | 454.21 | 3645.83 | 164062.50 |
| 52 | 2030-02 | 4090.17 | 444.34 | 3645.83 | 160416.67 |
| 53 | 2030-03 | 4080.30 | 434.46 | 3645.83 | 156770.83 |
| 54 | 2030-04 | 4070.42 | 424.59 | 3645.83 | 153125.00 |
| 55 | 2030-05 | 4060.55 | 414.71 | 3645.83 | 149479.17 |
| 56 | 2030-06 | 4050.67 | 404.84 | 3645.83 | 145833.33 |
| 57 | 2030-07 | 4040.80 | 394.97 | 3645.83 | 142187.50 |
| 58 | 2030-08 | 4030.92 | 385.09 | 3645.83 | 138541.67 |
| 59 | 2030-09 | 4021.05 | 375.22 | 3645.83 | 134895.83 |
| 60 | 2030-10 | 4011.18 | 365.34 | 3645.83 | 131250.00 |
| 61 | 2030-11 | 4001.30 | 355.47 | 3645.83 | 127604.17 |
| 62 | 2030-12 | 3991.43 | 345.59 | 3645.83 | 123958.33 |
| 63 | 2031-01 | 3981.55 | 335.72 | 3645.83 | 120312.50 |
| 64 | 2031-02 | 3971.68 | 325.85 | 3645.83 | 116666.67 |
| 65 | 2031-03 | 3961.81 | 315.97 | 3645.83 | 113020.83 |
| 66 | 2031-04 | 3951.93 | 306.10 | 3645.83 | 109375.00 |
| 67 | 2031-05 | 3942.06 | 296.22 | 3645.83 | 105729.17 |
| 68 | 2031-06 | 3932.18 | 286.35 | 3645.83 | 102083.33 |
| 69 | 2031-07 | 3922.31 | 276.48 | 3645.83 | 98437.50 |
| 70 | 2031-08 | 3912.43 | 266.60 | 3645.83 | 94791.67 |
| 71 | 2031-09 | 3902.56 | 256.73 | 3645.83 | 91145.83 |
| 72 | 2031-10 | 3892.69 | 246.85 | 3645.83 | 87500.00 |
| 73 | 2031-11 | 3882.81 | 236.98 | 3645.83 | 83854.17 |
| 74 | 2031-12 | 3872.94 | 227.11 | 3645.83 | 80208.33 |
| 75 | 2032-01 | 3863.06 | 217.23 | 3645.83 | 76562.50 |
| 76 | 2032-02 | 3853.19 | 207.36 | 3645.83 | 72916.67 |
| 77 | 2032-03 | 3843.32 | 197.48 | 3645.83 | 69270.83 |
| 78 | 2032-04 | 3833.44 | 187.61 | 3645.83 | 65625.00 |
| 79 | 2032-05 | 3823.57 | 177.73 | 3645.83 | 61979.17 |
| 80 | 2032-06 | 3813.69 | 167.86 | 3645.83 | 58333.33 |
| 81 | 2032-07 | 3803.82 | 157.99 | 3645.83 | 54687.50 |
| 82 | 2032-08 | 3793.95 | 148.11 | 3645.83 | 51041.67 |
| 83 | 2032-09 | 3784.07 | 138.24 | 3645.83 | 47395.83 |
| 84 | 2032-10 | 3774.20 | 128.36 | 3645.83 | 43750.00 |
| 85 | 2032-11 | 3764.32 | 118.49 | 3645.83 | 40104.17 |
| 86 | 2032-12 | 3754.45 | 108.62 | 3645.83 | 36458.33 |
| 87 | 2033-01 | 3744.57 | 98.74 | 3645.83 | 32812.50 |
| 88 | 2033-02 | 3734.70 | 88.87 | 3645.83 | 29166.67 |
| 89 | 2033-03 | 3724.83 | 78.99 | 3645.83 | 25520.83 |
| 90 | 2033-04 | 3714.95 | 69.12 | 3645.83 | 21875.00 |
| 91 | 2033-05 | 3705.08 | 59.24 | 3645.83 | 18229.17 |
| 92 | 2033-06 | 3695.20 | 49.37 | 3645.83 | 14583.33 |
| 93 | 2033-07 | 3685.33 | 39.50 | 3645.83 | 10937.50 |
| 94 | 2033-08 | 3675.46 | 29.62 | 3645.83 | 7291.67 |
| 95 | 2033-09 | 3665.58 | 19.75 | 3645.83 | 3645.83 |
| 96 | 2033-10 | 3655.71 | 9.87 | 3645.83 | 0.00 |